Your vehicle is a costly investment that is exposed to many potential threats that are out of your control. At E.A. Funk and Associated Inc., we make make sure you have the protection you need at a price you can afford.
A car or truck is often your biggest asset aside from your home. Auto insurance protects against potentially crippling financial losses and the sheer inconvenience of being without transportation.
Long Island, along with the state of New York, follows a “no-fault” system where your own car insurance covers your medical bills regardless of who is at-fault for the accident. An auto insurance in Long Island, NY should meet the following minimum requirements:
Personal Injury Protection (PIP): $50,000
Bodily Injury Liability: $25,000 per person, $50,000 per accident
Death Liability: $50,000 per person, $100,000 per accident
Property Damage Liability: $10,000 per accident
Uninsured Motorist Bodily Injury: $25,000 per person, $50,000 per accident
These are minimum car insurance requirements that you have to carry in Long Island. There are also standard policies that cover against theft, fire damage, or damage in a single-vehicle accident You can also get policies to cover damage inflicted by uninsured drivers.
Let us go to work for you, and find the right policy, with the right coverage, and the right price. It’s the best way to keep you, your family, and others safe.
Whether you’re driving through Suffolk County or the streets of New York City, accidents can happen. At E.A. Funk and Associated Inc., we help you stay protected with smart, affordable car insurance policies designed around your lifestyle, vehicle, and budget. As a trusted provider of car insurance in New York, we’re here to help you drive with confidence.
Since 1976, our family-run agency has been helping individuals and families in Long Island and across New York find the right auto insurance. From daily New York drivers to weekend motorcycles, we offer personal attention and real solutions, not just generic quotes. You can count on our team for quick answers, clear explanations, and reliable protection.
Auto insurance covers several risks and situations that could financially destroy you. All coverages are not mandatory though, you get to choose what coverages you want to be included in your policy. A standard auto policy typically includes the following coverages:
Covers injuries and damage to others if you’re at fault in an accident.
Helps pay medical bills for you and your passengers after an accident.
Pays to repair or replace your vehicle after a crash no matter who caused it.
Covers you if the other driver doesn’t have enough insurance or none at all.
Protects your car from theft, weather damage, vandalism, or hitting a deer.
Get help with flat tires, battery jumps, towing, or if you lock yourself out.
Own a motorcycle? We’ve got you covered there too. Our motorcycle insurance in NY includes liability, theft protection, and custom equipment coverage to keep you protected on the road.
We proudly offer auto insurance in:
Wherever you live or drive in New York, we’ll make sure your coverage goes the distance.
Car insurance is such insurance designed to protect you and everyone who shares the road with you from the potentially high cost of accident-related and other damages or injuries. It is a contract in which you pay a certain amount (premium) to your insurance company in exchange for a set of coverages you select.
Most states require that you have car insurance if you own a vehicle, but mandatory minimum coverage and policy limits will vary. If you finance or lease your vehicle, your lender may also require specific coverages.
Beyond legal requirements, having car insurance is a smart decision. If you cause an accident, you may be held responsible to cover the related expenses such as car repairs, property damage, medical bills, lost wages, legal fees and more. Without the proper coverage, your financial well-being may be at risk.
Working with an insurance representative to help you choose a car insurance policy that addresses your individual needs and budget can help protect you, your loved ones and your assets.
No-Fault” state is a state in the US where drivers involved in a car accident are required to cover medical expenses and lost wages from their own insurance regardless of who was at-fault for the accident. New York is a no-fault state. Here, state laws require you to have Personal Injury Protection (PIP) in your auto policies to cover for such expenses.
Long Island is one of the most expensive cities for car insurance in the US, not just the state of New York. Covering just the state’s minimum auto liability requirements costs $150 monthly ($1800 annually) on average before discounts apply. Meanwhile, a full coverage car insurance cost averages at $400 monthly ($4800 annually).
There are a number of factors that affect car insurance premium rates like the type of the car, driving history, annual mileage, age of the driver, location (zip code), credit score history, etc.
Insurance companies use zip codes to analyze risk of accident, crime, theft, weather, etc. of the area.
The best way to save money on auto insurance without compromising on your coverage is by bundling it with your homeowners or renters insurance. Increasing deductibles also helps but in case of an accident or a covered event, you will have to pay more from your pocket. You can also complete a NYS-approved Defensive Driving Course (or PIRP) to get a guaranteed 10% discount.
Getting a car insurance quote from E.A. Funk and Associates is easy. Just contact us or Travelers representative, or use our online quoting tool to start creating a policy that offers the protection you need at a price you can afford.
You can add several coverages to a standard auto policy like Roadside coverage, Rental car reimbursement, Gap insurance, Glass coverage, Umbrella insurance, etc.
Anyone who drives your vehicles regularly, especially if they live in your household, should be listed as drivers on your policy. Typically, your auto policy protects other licensed drivers not listed on your policy who occasionally drive your car, such as:
Such use is called “permissive use”. Check with your local independent agent to learn more about permissive use and who needs to be specifically included and who is covered on your policy.
The cheapest car insurance depends more on your vehicle type, driving record, location, coverage needs, and available discounts. A cheap insurance policy sounds like a great deal financially. However, when you need to file a claim, you may find their claims process difficult. At E.A. Funk & Associates, Inc., we work with top carriers to compare auto insurance options and help you find auto insurance that fits your needs and budget.
Getting started is easy. Just contact us for a free quote or fill out our quick form. As your trusted auto insurance company in New York, we’ll help you find a policy that fits your needs — and your budget.
Drive safe. Stay protected. Trust Eric Funk Agency. Car Insurance Company in NY
